We closed on our house today so came home and went on a much needed spree.
My cards and limits before the spree:
AMEX Zync: $500 Hard Limit
Bank of America Cash Rewards: $8000
Chase Freedom: $1500
Cap1 QS: $13,000
Cap1 secured: $1300
Discover IT: $26,000
Walmart MC: $8000
Wife's cards and limits before the spree:
AMEX PRG: ????
Chase Freedom: $4,500
Discover: $27,000
Walmart: $2000
Cap1 QS: $10,000
We were after 0% APR cards so we could buy new furniture for our new house. Don't get me wrong, we have the money to pay cash for the furniture but if somebody would be willing to lend me money at 0%, why not take it?
This is what we did:
Wife applied for Discover Miles. 0% APR for 14 months. She was approved for a WHOPPING $3000! Chatted online with CSR and asked if we could transfer some of her Discover IT CL to Discover Miles CL. "Sure, no problem. What do you want to do?" Transferred $17,000 from Discover IT to Discover Miles so the IT card has a CL of $10,000 and the Discover Miles card with a 0% APR now has a credit line of $20,000! Yay Discover!
Wife applied for Bank of America Cash Rewards card with a 0% APR for 12 months. Approved for $8000! Yay BoA!
Wife applied for Amazon store card for 5% cash back. Approved for $4500. Yay Amazon!
I applied for Citi Diamond Preferred that has a 0% APR for 21 months. Was approved for a WHOPPING $5000. Booo Citi! Called CSR and told him that I was expecting a much higher limit. CSR said, "I'm sorry, we can't change the limit once it is approved." Undeterred, I called the executive offices and talked with someone there. They stated that they needed to do another HP to see if they could increase the starting CL. I gave them the okay to do the HP and they said I would receive the results in the mail in 7 to 10 days. He said that it would probably be about the same time that I received the card. So...At least $5000 but maybe more...To be determined...
I applied for an AMEX BCE that has 0% APR for 12 months. Tried to app online but was having trouble. Every time I would press the "Apply Now" button the screen would just keep recycling. It wouldn't take me to the app page. Tried 2 different browsers with the same results. Called a CSR on the phone and did the app over the phone. Approved for $21,000. Yay AMEX!
I applied for the Amazon store card and was approved for $1900. Booo Amazon. But I'll live with it for now.
So...All in all a very successful spree IMHO.
Starting Score: EQ 653 6/21/12
Current Score: EQ 817 3/10/20 - EX 820 3/13/20 - TU 825 3/03/20
